Your Michigan auto liability choices affect how much protection you have. Umbrella insurance can add another layer above your home and auto policies.
Shopping for umbrella insurance in Michigan? Most umbrella insurers require certain auto liability limits, so your Michigan auto choices matter. A Blue Peak advisor can help you line everything up.
In Michigan, the bodily injury limits you choose on your auto policy connect directly to how an umbrella policy works.
An umbrella policy adds liability protection that sits above your other personal policies.
Once your home or auto liability limit is used up on a covered claim, an umbrella policy can help pay the remaining amount, up to its own limit.
Some umbrella policies cover certain claims your other policies do not, such as some defamation claims. Coverage depends on the policy wording.
Most insurers require you to carry minimum liability limits on your auto and home insurance in Michigan before they will write an umbrella.
Umbrella policies have limits and exclusions. Business activities, for example, usually need separate commercial coverage.
A licensed Blue Peak advisor can review your options and help you request a quote.
Here is how an umbrella fits with Michigan coverage choices.
Michigan auto policies default to $250,000/$500,000 bodily injury limits, but drivers can choose lower limits. Lower limits may not meet umbrella requirements.
Cabins, lake homes, and boats can add liability exposure. Review each one with your umbrella in mind.
More drivers means more chances for a claim. An umbrella can help protect your assets above your auto limits.
Use these questions when you compare quotes or review your current policy:
The Michigan Department of Insurance and Financial Services (DIFS) licenses the insurers and agents that sell umbrella insurance in Michigan. If you have a question about a claim or a company, DIFS's consumer services team can help, and you can confirm any agent's license on the Michigan Department of Insurance and Financial Services website.
Michigan winters bring heavy snow, ice dams and frozen pipes, summer storms can overwhelm sewers and flood basements, and Great Lakes shoreline erosion threatens lakefront property. Michigan is a no-fault state. Drivers choose a personal injury protection (PIP) medical level, and bodily injury limits default to 250/500 unless you choose lower limits in writing, with a minimum of 50/100.
Blue Peak works with families and property owners in Detroit, Grand Rapids, Warren, Sterling Heights, Ann Arbor and Lansing, as well as smaller towns across Michigan. Our advisors compare options from multiple carriers and explain how Michigan rules apply to your umbrella insurance before you decide.
Possibly not. Many umbrella insurers require specific underlying auto limits. An advisor can tell you what your insurer requires.
No. It is optional, but it can add liability protection above your auto and home policies.
Cost depends on the limit you choose, the number of homes, vehicles, and drivers in your household, and your claims history. A quote is the best way to see pricing.
Your home and auto policies have liability limits. An umbrella can help when a serious claim goes beyond those limits.
Many people start by looking at their assets and possible future earnings. An advisor can help you choose a limit that fits your situation.
A serious accident or lawsuit can go beyond your home and auto limits. An umbrella policy can help protect your savings, your home, and your future income.
Learn more about our umbrella insurance options, or see our guide to personal insurance in Michigan.
Blue Peak Risk Advisors is a licensed independent insurance agency. Coverage is subject to underwriting, policy terms, conditions, limits and exclusions. Coverage availability varies by state and carrier. This page is general information only and is not a statement of coverage or legal advice.
Insurance in Michigan is regulated by the Michigan Department of Insurance and Financial Services (DIFS). DIFS licenses agents and insurers and handles insurance complaints in Michigan.
Before you buy any policy, you can confirm that an agent or agency holds an active Michigan license using the free NIPR license lookup or the regulator's own search. Ask your advisor which insurer will issue your policy, and check that the insurer is authorized to do business in Michigan.
This page is general information, not legal advice. Coverage terms, rates and availability depend on the insurer and your policy.
